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Mortgage Refinancing Help
: Recreation
: Theme Parks (483)
 Use a mortgage broker. A mortgage broker will show you mortgage products from different banks and mortgage providers. Pick a mortgage broker carefully. If the broker works directly for a company that offers financial products, make sure he shows you clearly why one of these products is better. Mortgage brokers also get a commission on their sales. Find out what the broker's services include and if he charges any fees. Many brokers do not charge fees beyond their commission. Also check the broker's credentials.
 See also:
 Theme Park Adventure Magazine »
Includes current and back issues, ordering information, and park news.
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 Ripley's Believe It or Not! »
Offers museums and attractions in multiple countries focusing on odd and amazing things. Provides videos, details about exhibits, and their history.
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 Boomers »
Operates a number of amusement and water parks throughout the United States. Offers news, employment opportunities section, and information on the Fun Club.
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 Anheuser-Busch Adventure Parks »
Operator of parks such as Sea World, Busch Gardens, and Adventure Island. Provides links to owned facilities and online ticket ordering.
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 Universal Studios Themeparks »
Guide to Universal's Orlando, Hollywood, Japan and Spain themeparks, including information about tickets and vacation packages.
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 Theme Parks Online »
Enthusiast e-zine. News and events, discussion boards, glossary, history, park records, hotel and attraction reviews.
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 Refinancing may not be that useful if you have already used up 90% or more of your home value in taking out a mortgage or any home equity loan. You won't be able to get the best rates available in the market as when you refinance a 90% LTV loan, you will probably require a loan of that value or higher. This will be quite closer to being a 100% financing option and hence mortgage refinance rates will be comparatively higher. Moreover, 100% loans are hardly available in times of mortgage market crisis.
Make sure that your original mortgage does not have a pre-payment penalty or early payoff penalty of any kind. Sometimes people will get into their mortgage with the mortgage having a pre-payment penalty and they will not even know about it. Pre-payment penalties usually range from 6 months to 3 years with a penalty for an early payoff. The penalty is usually about the amount of 6 months worth of your mortgage loan interest, but this varies. You would have to be able to have some significant payment and interest savings on your refinance loan to justify refinancing a mortgage loan with a pre-payment penalty.
Lenders like pristine credit reports. If you have a bunch of open credit card accounts that you never use (and who doesn't?), consider closing them. It will boost your credit score and make you a much more attractive borrower to a lender. Then, a month after you've closed your accounts, go over your credit report with a fine-tooth comb. It should read that the accounts were closed at your request. (You don't want lenders to think someone cut you off and that you're a bad credit risk.)
Be Inquisitive. It's your responsibility to make sure that you understand the terms of your loan. Ask questions and listen carefully to the answers. Don't sign your loan documents until you are satisfied with the information and confident that you have made the right decision.
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